Filing a renter’s insurance claim for a fire, but there’s an address mix-up. My entire apartment complex was evacuated due to a fire, but my renter’s insurance policy lists 301B instead of my actual unit, 302A (which is my neighbor’s). Am I still covered, or will it be up to the insurer’s discretion to address this clerical mistake? Looking for insights on the likelihood of coverage in this situation.
Fire claim for renter insurance, but different address
I’m sorry to hear about the fire and the evacuation of your complex. In situations like this, it’s important to reach out directly to your insurance company as soon as possible to clarify your coverage.
Clerical errors can sometimes be resolved in favor of the policyholder, especially if you can provide proof that you are indeed the tenant of the affected unit. Many insurers may consider the intent of the policy over a small clerical mistake, especially in emergencies.
Make sure to have your policy documents handy when you contact them, and explain the situation clearly. Document everything, including the date and time of your call. The outcome will depend on your specific insurer’s policies and how they handle these types of situations, but communicating with them is the best way to understand your coverage. Good luck, and I hope everything gets resolved quickly for you!